| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AETNA GLOBAL BENEFITS | $51K | — | $51K | 2.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 9811 KATY PARKWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $65K | $30K | $95K | 13.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53K | $5K | $58K | 10.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.88% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE AND BRITT INS. AGCY | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | LEGALPLANS, USA | $2K | — | $2K | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA GLOBAL BENEFITS | 219 | $1.8M |
| Dental(2 contracts, 2 carriers) | AETNA GLOBAL BENEFITS | 967 | $2.4M |
| Vision(2 contracts, 2 carriers) | AETNA GLOBAL BENEFITS | 967 | $2.4M |
| Life insurance(2 contracts, 2 carriers) | AETNA GLOBAL BENEFITS | 1,267 | $2.5M |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,267 | $728K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,267 | $728K |
| Prescription drug | AETNA GLOBAL BENEFITS | 219 | $1.8M |
| Other(3 contracts, 3 carriers) | AETNA GLOBAL BENEFITS | 1,267 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,267 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.